| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +3.9% | -0.3 pts |
| Share growth (YoY) | +3.6% | +3.3% | +0.3 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.5 pts |
| ROA | 0.19% | 0.69% | -0.5 pts |
| ROE | 1.5% | 5.9% | -4.4 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $125.3M | $108.8M | $88.2M | $15.7M | $59K | 0.19% | 4.10% | 1.30% | 7,161 |
| Q4 2025 | $122.4M | $105.9M | $89.6M | $15.6M | $402K | 0.33% | 4.12% | 0.86% | 7,167 |
| Q3 2025 | $121.1M | $104.7M | $88.8M | $15.5M | $228K | 0.25% | 4.09% | 1.30% | 7,167 |
| Q2 2025 | $118.8M | $102.9M | $86.8M | $15.3M | $67K | 0.11% | 3.89% | 1.41% | 7,196 |
| Q1 2025 | $120.9M | $105.1M | $83.6M | $15.3M | $25K | 0.08% | 3.92% | 1.08% | 7,189 |
| Q4 2024 | $118.6M | $102.9M | $83.9M | $15.2M | $1.0M | 0.86% | 3.85% | 0.65% | 7,171 |
| Q3 2024 | $119.3M | $103.4M | $85.0M | $15.1M | $854K | 0.95% | 3.76% | 1.40% | 7,219 |
| Q2 2024 | $118.6M | $103.7M | $84.4M | $12.5M | $426K | 0.72% | 3.75% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.13% |
| 7,300 |
Loan mix (Q1 2026): real estate $44.7M · commercial $7.6M · consumer $25.6M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 78.7% | 84th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.